us at the end of the year. better learn how to pronounce it, too, because it is coming, it looks like. it's a good time, though, to look ahead to your financial future. and today we wanted to help you decide whether or not you need to change any of your investments, especially if you're saving for your retirement. patricia powell is founder and ceo of powell financial group, and, patricia, at any age -- it doesn't matter if you have $50 saved -- you want to save your savings. so what do we need to do right now? because we're in the last quarter of the year. any quick moves? >> quick moves, i don't think they're just quick moves, i think they're longer-term moves. um, if you think that the fiscal cliff will effect markets, and i'm certainly in that camp, you want to rethink a lot about how you're investing whether it be in your 401(k) or your regular accounts. they're both going to be affected. i think people should actually think about it as though they're going into the next recession, and that's the advice we